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All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan ADI Bisnis Digital Interdisiplin (ABDI Jurnal) Management Science Research Journal International Journal of Community Service (IJCS) Eduvest - Journal of Universal Studies International Transactions on Artificial Intelligence (ITALIC)
Aziz, Lukmanul Hakim
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Journal : International Journal of Community Service (IJCS)

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Fintech Optimization and Digital Financial Literacy in UMKM Empowerment: A Community Service Study for Financial Inclusion in the Society 5.0 Era. Sekarningtyas, Hikmah; Putro, Suryati Eko; Nasution, Bincar; Siregar, Rahmah Juliani; Aziz, Lukmanul Hakim
International Journal of Community Service (IJCS) Vol. 5 No. 1 (2026): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijcs.v5i1.1884

Abstract

Micro, Small, and Medium Enterprises (UMKM) play a crucial role in Indonesia’s economy, contributing 61.9% to GDP and 97% to national employment. However, their digital transformation is hindered by low fintech adoption and limited digital financial literacy. This study evaluates a community service program aimed at enhancing fintech utilization and digital financial literacy among UMKM in five regencies of East Java. Using a quasi-experimental pretest-posttest control group design, 240 participants were randomly assigned to intervention and control groups. Data were collected through validated questionnaires measuring fintech adoption index (FAI), digital financial literacy index (DFLI), and business performance. The results show significant improvements in fintech adoption (21.4%, p < 0.001), digital financial literacy (18.7%, p < 0.001), and monthly revenue (17.3%, p < 0.01). These findings indicate that structured training integrating fintech and digital literacy effectively supports UMKM digital transformation and advances financial inclusion in the Society 5.0 era.
Co-Authors Adler Haymans Manurung Ali Imron Bincar Nasution Callula, Brigitta Erliza Noor Ganika, Gerry Hermanto Siregar Madani, Muchlisina Mala, Chajar Matari Fath Maria, Lily Natalia, Elisa Ananda Qurotul Aini Rahmah Juliani Siregar Ramdani, Muhammad Roy Sembel Rozi, Achmad Sekarningtyas, Hikmah Sunarjo, Richard Andre Tony Irawan